I am looking to work on projects related to the financial domain.

We have worked on:

• Financial marketplace
• Peer-to-peer lending platform
• Invoice factoring platform
• Real estate business lending platform
• Robo advisor for Mutual fund investment
• Financial planning software
• Other digital lendings solutions

Our clients are well-funded companies such as:

1. Investly (Estonia, USA) https://www.investly.co/ 
2. Smartly (Singapore) https://www.smartly.sg/
3. Automata (UK, France) ( https://www.automata.live/)
4. ZangaCompare (Global) https://www.zangacompare.com/

If you have any ideas related to the Fin-tech domain, I am open to discuss and see how I and my team can add value to your idea/project.

Regards
Shivam Shahi
Skype- live:shivamshahi

I have been participating in Kiva for some time, having over 100 loans over 50 countries. I am concerned how so many of the entries look the same. If you search by country, you'll see 20-30 people with the exact same loan amount for the same goal (e.g. maize, dental work, and sanitary toilets to name a few). It looks like a person or group is potentially creating fronts and the behavior is suspicious. I am now going to have to think twice about lending money through Kiva and will need to look into how to get money out of Kiva. I don't know if I can copy/paste concerning posts here, so I'll be cautious for now. Are there other micro-loan groups that may not demonstrate the same behavior? BTW, I'm not posting this to r/Kiva, as that is a restricted subreddit.

How do you guys track your personal loans?

I'm looking for something to track payments, calculate interest, keep a ledger, show amortization schedule, etc. I've tried the IOU app, but it is very basic and lacks most all of these features. Something like Quickbooks might work but seems like overkill since I don't use it for anything else. I've found a few web apps that claim to be what I'm looking for, but all that I've tried are buggy and cumbersome or outright don't work at all.

I'd like to share my lending club experience with anyone that will listen. Please, PLEASE feel free to critique and share your knowledge. If I can help you then this was all worth it. If you can help me, then I am truly blessed. Continue onward if you would so please,

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(My total amount to invest is unlimited but I only have this current 3,000 to start out with. See below*) I auto invested my first 3,000 worth... to give me a strong base, feel and sense of direction once it started to show a pattern that I could understand. Once it started giving me two months of data with returns INCLUDING a total pay off from an A3 I was ready to turn off automatic investing completely and started to focus on pure high risk/reward investments with most of my 3,000 initial investment "secure" in a portfolio of A-D heavily focused on "safe" A/B. (comprising about 70% of the portfolio) I got a taste of the C and D notes and by an error with auto investing serendipitous found the "weight" and "feel" of 50 to 100 increment changes (aprox based on a number of variables such as the interest rate, risk of default entirely, flatout pay off, 90 day late, etc) and came to conclusion that... 33 dollar "notes" (although not invest-able since you can only do 25 increments) translates to about 1 dollar per pay date when it is time to collect. This is with an A1 Profile and a very solid 8.0% credit score. You can expect a lot more from a C or D profile.

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If anyone would like to share strategy or share their thoughts with me on investing in general please let me know. I have a monthly check and my desire is to make money. i've met a lot of bad people in my life and I want to stay the hell away from them. I only want to honor my father and regain the money I squandered away that he gave me. I work with robo investing and lending club and am very new but making a lot of progress. Fixed income, about 2 to 3k a month to invest. EVERY month. Help me out if you can with some thoughts on what to do! I'm open to all of your experience and ideas! If you were me what would you do with 1 or 2k a month to invest in, EVERY month? Send me a mail or a chat, i'd love to talk to you. Also, any thoughts on the post? What do you do with lending club? Its working out for me pretty well.. every month the returns generate enough to buy one C note at 125 and I have a recurring auto deposit for another 125, that 250 (two 125 notes) a month. So, 2 notes a month means 24 a year. I currently have 34 and that generates 119 dollars with my "diversified auto invest" portfolio that I "lucked out" with. 11.73% return. I'm going to go straight into C/D now with the 2 a month. What do you all think? Watch your back, trust no one. God bless.

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*My total amount to invest is unlimited but I only have this current 3,000 to start out with as I said above. With that being said every month after all my bills are paid I have about 1,500 dollars of free money. I say free as in I have to account for food but I reckon i'd be just fine living off just ham sandwiches for half a year until I set up some good investments to get a recurring 300-500 a month back from lending club and dividends. (if I knew how to get dividend income back in the first place! Help if you can! please!)

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So, TL;DR: I have $1,250 for SURE every month to INVEST with spread across ANYTHING you can think of that would yield something. What would YOU do? I usually spread it among Lending Tree to hopefully reach a point where I am getting 300-400 a month. That would be mighty nice. I also have a high yield savings with CIT that I put a 100 a month in. I have a Betterment account that does general investing but I only have 100 in there with no recurring. I put 100 a month into a "Safety net" which does a very conservative ETF portfolio for just that purpose a safety net fund. lastly I have a Wealthfront Investing account for a 3.5 risk investing for amassing wealth in the long term (should I change it to 9.5 for growth and principle gain?) and their really high cash checking account that is somewhere in the 2.57% APY to possibly replace the CIT savings account. I know i'm spread out thin already. The last thing I should mention is my CC's are spread out thin as well but that's another story. Thank you for hanging on this long folks!

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Here are two samples from my portfolio and it explains some of the numbers if you are interested.

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1. At 100 dollar note interval as a rule you will net 3 dollars with it ranging from 3 flat to 3.60ish.

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2. The END result as you can see varies greatly based on the interest. The A note nets 25 dollars. The C at almost the MAX of 25% may yield 160 dollars.

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3. These are all 36 months. I have not dabbled in long term investing, although I plan too once I get my short term life together. I'm actually hurting right now. I hope I pull through. 4.This is limited data, only the first two months. I will update in the future.

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$25.05 (Profit Expected) From a note @ A 7.5%, $106.14 Remaining payment expected $3.11 payments for a $100 to $106 TOTAL principle return. Interest from the first two months (waiting on the third) in the form of $0.62 to $0.78 The loan amount is around / $4,000 - Total Loan Amount

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$166.25 (Profit Expected) From a note @ C 17.2%, $167.66 Remaining payment expected. $3.57 payments for a $160 to $167 return in the form of $1.19 interest to $1.47 / $9,000 - Total Loan Amount

I started a crowsourced spreadsheets at https://p2plending.io to collect in a centralized place all infos about more p2p lending platforms as possible.

I began to fill up whit the platforms I poured some money in.

Do you find it usefull? Feel free to add suggestions for more platforms/fields/features. Contributions of any kind are welcome!

Asking for $30 to be paid back with $20 in interest on July 15th, 2019. I have paypal and any help is appreciated as I'm in a tight spot with nowhere else to turn to

Hey guys!

I want to buy a 7 seat van to work as a TourGuide and Uber Driver (currently working for a partner that takes 60% of income). However I don't have the funds to do it, Is there any P2p Lending website, or crowdfunding I can use for such purpose?

https://ppl.pt/
This Portuguese P2P lending website it's just too small, and Raize is for companies operating for at least a year.
I've been looking around all sort of websites, and I see none that works for Portuguese citizens.

Maybe crowdfunding can be an option too?
Or even crypto p2p loans.

I'd love to hear your ideas.

Thanks guys :)

Hey guys I wrote up a post about the best settings to use within Lending Club for finding the best loans that won’t default based on my experience with Lending Club the past two years and a few others experience.

Check it out here if interested in the piece —>

https://investingmetro.com/how-to-reduce-the-risk-of-borrowers-defaulting-on-your-purchased-loan-in-lending-club/

Hi all,

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I am part of a team of university students working on a project to improve the way credit history is scored and calculated. We hope to improve the existing system by allowing for unconventional information that may be important for assessing someone's true creditworthiness. We feel as though this problem is one already faced by users of social lending platforms such as LendingClub or Prosper, so we'd love your input as we think of possible solution designs.

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On the lender side, what sorts of alternative data do you think would be useful for assessing the credit worthiness of a new borrower (i.e. utility bill payments, college GPA, social media data, etc)? In general, what is your strategy for assessing a borrower's credit and making loans?

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Alternatively, as a borrower, is there any information you have that's not in your credit report but that you think might be valuable to provide?

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Thanks for reading!

Hello!

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I'm new to LC and I was waiting this morning for 12pm central (10am pacific) for LC to upload new notes, but nothing changed... What's the deal?

I'm planning on starting a peer-to-peer lending website to help investors and borrowers. I'm having writers block when it comes to picking a name. I want something that's has 1-2 syllables, catchy & cool. A few existing names that I like are Lendprice, Justlendit. Any good ideas? It does't have to be a full domain name, maybe just some words I can put together. If I choose your name, I'll make sure to hook you when we're up and running, and get you some reddit gold in the meantime.

FYI, I've been an everyday reader of reddit for the past 3 years, and I had an previous account, I just can't recall my username or pass.

This may be a shameless plug but I think a lot of people can benefit from our service. BlueVestment is a very low cost way of automating your trading strategies. Supporting multiple accounts, automatic investing and selling, bulk note selling, historical return projection, and much more. It's a pain to spend all your time logging into LendingClub and investing/reinvesting your money. Even selling grace notes and updating sell prices is a pain. BlueVestment (https://www.BlueVestment.com) and a simple way to "set it and forget it".

Again, I know it's a shameless plug but I encourage everyone to look at LendingClub note trends and challenge them to say they couldn't be better served with an automated system handling their account churn for them. We're always happy to help anyone get started or even just to open up a discussion about automated trading strategies.